Hands in the middle

Uncategorized

May 25, 2022

Embracing Diversity When Working Across Cultures

Keyhole abstract

Banking

May 19, 2022

How to Unlock the Potential for Instant Payments?

city street at night

Banking

May 16, 2022

A Real-Time Payments Retrospective

Looking directly up at the skyline of the financial district in central London - stock image

Banking

May 13, 2022

No Time To Waste Ahead of U.K.’s New Payments Architecture Launch

Payment on mobile device

Merchants

May 11, 2022

Can Payments Orchestration Help Business Sing? Here Are 10 Questions That Merchants Must Ask Themselves

Payments orchestration is the process of working with — or orchestrating — multiple payment providers, acquirers and banks to optimize customer experience and conversion, enhance cost savings, ensure regulatory compliance, improve fraud prevention processes and enable global coverage.

Making a contactless payment at a restaurant

Merchants

April 21, 2022

Can Sensitive Cardholder Data Be Shared Without Worrying About PCI Compliance?

In a previous blog post, Can Cardholder Data be Stored Without Involving PCI Scope?, we discussed how the Payment Card Industry Data Security Standard (PCI DSS) says it is possible to store a unique token that represents a cardholder’s Primary Account Number (PAN).

PCI scope for card payments

Merchants

March 23, 2022

Can Cardholder Data be Stored Without Involving PCI Scope?

Is it possible to store cardholder data without PCI scope? The short answer is no, but that doesn’t mean you cannot store a reference to it. Let me explain.

Banking

January 24, 2022

What Does the Future Digital Payments Ecosystem Look Like?

Across the world, markets are gearing up to change the way they pay. Convenience and speed are key and a huge benefit to customers. To enable the real-time movement of money and support the on-demand economy, there is a need for payments system modernization and this need for real-time modernization is increasing from all corners.

Side view of man hands using laptop with abstract digital padlock hologram on screen. Guard concept

Merchants

December 1, 2021

Why Incremental Learning is a Gamechanger for Payments Fraud

Any innovation that helps merchants outfox fraudsters can’t come soon enough. An innovative, industry-first approach to machine learning, incremental learning represents a step change in fraud prevention. It identifies patterns earlier and more accurately, automating decisions and actions to keep merchants better protected than ever.

Woman using cellphone on street

Merchants

November 23, 2021

Is Fraud Friction Dampening Your Holiday Sales?

Keeping checkout friction low is always an issue for merchants seeking to boost conversion, but even more so during the holiday season, when offers and promotions aim to pull in new customers and drive higher sales.

Prime Time for Real-Time

Global Payment Trends
As the world adopts real-time payments, how does your market stand to benefit?

A woman is using a mobile phone

Merchants

November 17, 2021

Ringing Out Against Mobile Fraud

As peak season fast approaches, more people of all ages will be powering up their phones to browse and buy.

Abstract skyline

Banking

November 16, 2021

Time for Review: What Is Next in the EU Retail Payment Services Legislation?

On October 27, I attended the CEPS ECRI event on “Time for review: EU retail payment services legislation,” which covered the achievements of Directive 2015/2366/EU (PSD2) and the next European policy steps in this regard. The panel was composed of Ms.

Index finger of young man touching smartphone

Merchants

November 15, 2021

Buy Now Pay Later: Taking A Closer Look at Affirm

As we quickly approach the peak shopping season in Europe and North America (Black Friday and Cyber Monday are less than a month away), it’s time to take a closer look at one of the major “Buy Now, Pay Later” (BNPL) players in the United States.

Overhead view of entering card details when ordering online

Merchants

November 11, 2021

A Primer on Tokens, Tokenization, Payment Tokens and Merchant Tokens

Merchants around the world are navigating the world of tokens and tokenization, payment tokens and merchant tokens. When used properly, tokenization for retail merchants serves a dual use; it can be used to protect sensitive card data, and it can serve as an enabler for omni-commerce.

Shanghai Urban Skyline, China

Merchants

November 3, 2021

Preparing for the Holidays: What Merchants Need to Know About UnionPay

We’ve all read about the pandemic bringing a significant increase in eCommerce and mCommerce.

Credit card swipe at a fuel terminal

Merchants

November 2, 2021

Protecting Payments with Point-to-Point Encryption (P2PE) and Tokenization

The superheroes of PCI compliance – Point-to-Point Encryption (P2PE) and Tokenization – serve to protect sensitive payments data in flight, or at rest in merchants’ databases. But tokenization has some additional superpowers, beyond protecting payments, which all omni-channel merchants should know about.